Spending Accounts
Get More from Your Account
The new & improved checking account. Our members know the benefits that come with a Resource One Spending Account, the new and improved checking account. We offer several options to select from the super saver, the discount finder, to the earn more with your money; we have the account that is just right for you. Now is the perfect time to open a Resource One Spending Account through Video Chat, on the phone at 800-375-3674, in a branch that is convenient to you, or with our easy online application.
Compare and Select Your Account
Daily Spending Account
Our basic account with your everyday deposit & spending capabilities.
Standard Benefits
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
Most Popular
Prime Spending Account
Your spending account for daily purchases and earning interest.
Standard Benefits
Exclusive Benefits
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
Direct Spending Account
The account if you want a few perks and all the basics.
Standard Benefits
Exclusive Benefits
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
Coast-to-Coast Access
No matter where you are, we are always within reach. Access your accounts through our nationwide network of over 5,000 shared branches and nearly 30,000 surcharge-free* ATMs.
Dallas & Houston
Over
Nearly
*Surcharge-free transactions are available for debit and ATM cardholders of participating credit unions
Daily Spending Account
Features and Benefits
- Minimum Opening Deposit: $0
- Monthly Maintenance Fees: $0
- Daily Balance Requirement: $0
- Tiered Overdraft Privilege: Up to $1,000 when you opt-in and qualify
- Interest: This account does not earn interest.
- ATM Rebates: Not Available
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| balance | rate | apy |
|---|---|---|
| $0.00 and above | 0.00% | 0.00% |
|
APY= Annual Percentage Yield. Minimum balance to open $0.00. No monthly maintenance fees. Non-dividend account. Rates as of March 09, 2025. Rates are subject to change without notice. |
||
Direct Spending Account
Features and Benefits
- Minimum Opening Deposit: $50
- Monthly Maintenance Fees: $5
- Daily Balance Requirement: $0
- Tiered Overdraft Privilege: Up to $1,000 when you opt-in and qualify
- Interest: This account does not earn interest.
- ATM Rebates: Receive ATM fee rebates up to $15 per month
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| balance | rate | apy |
|---|---|---|
| $0.00 and above | 0.00% | 0.00% |
|
APY= Annual Percentage Yield. Minimum balance to open $50.00. $5.00 monthly maintenance fees. Non-dividend account. Rates as of March 09, 2025. Rates are subject to change without notice. |
||
R1 Cha-Ching Benefits with Direct Spending Accounts
Prime Spending Account
Features and Benefits
- Minimum Opening Deposit: $100
- Monthly Maintenance Fees: $9 (Waive the monthly service fee by: (1) maintain an average daily balance of $5,000 or more; or (2) monthly direct deposits totaling at least $1,000 and 20 debit card transactions per month (PIN or Signature).
- Daily Balance Requirement: $5,000
- Tiered Overdraft Privilege: Up to $1,000 when you opt-in and qualify
- Interest: Earn interest when the daily balance is $5,000 (paid quarterly)
- ATM Rebates: Receive ATM fee rebates Up to $20 per month
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| balance | rate | apy |
|---|---|---|
| $5,000.00 and above | 0.10% | 0.10% |
|
APY= Annual Percentage Yield. Minimum balance to open $100.00. Minimum balance to earn $5,000.00. Paid quarterly with a daily balance of $5,000.00. Monthly maintenance fee of $9.00 (Waive the monthly service fee by: (1) maintain an average daily balance of $5,000.00 or more; or (2) monthly direct deposits totaling at least $1,000.00 and 20 debit card transactions per month (PIN or Signature). Fees could reduce earnings on the account. Rates as of March 09, 2025. Rates are subject to change without notice. |
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R1 Cha-Ching Benefits with Prime Spending Accounts
Empower Checking Account
Features and Benefits
- Minimum Opening Deposit: $25
- Monthly Maintenance Fees: $20
- Daily Balance Requirement: $0
- Interest: This account does not earn interest.
| balance | rate | apy |
|---|---|---|
| $0.00 and above | 0.00% | 0.00% |
|
APY= Annual Percentage Yield. Minimum balance to open $25.00. Monthly maintenance fee of $20.00. Non-dividend account. Rates as of March 09, 2025. Rates are subject to change without notice. |
||
Meet a Specialist by calling 800-375-3674 or visiting a branch.
Insights & Advice
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